You know what to do with your money, so why don't you?

You're the only one who can change your financial picture

But it won't happen with more information. Values & Cents starts somewhere different: with what you do, and why you keep doing it. Spending and financial habits aren't random. They're behavior. And behavior changes when you see it clearly, measure it honestly, and connect it to what actually matters to you.

Free - 15 minutes. No budgeting app required

Analyze where your money is going - and whether it aligns with your values

THE CORE IDEA

The problem was never

information.

I read books - you probably have too. Advice is everywhere. In general, I bet we all "know" what to do with our money.

Yet, there I was - upside down, more than my annual salary in debt. Loans, credit cards, school.

And here you are, wondering what to do next.

Most financial tools assume the problem is what you know. They offer a system and information. But information doesn't change behavior. I consumed information for almost five years before I took action.

Five years later, with intentional action, my wife and I moved from a negative net worth to nearly half a million and counting.

HOW IT ALL STARTED

All-knowing.

No Action.

I spent five years knowing exactly what to do with my money, but never taking action. I read books, listened to podcasts, consumed everything I could. I would tell myself "It's not the right time to start" or "someone else will fix this." I wanted to invest toward my future. I wanted my student loans gone. I wanted wanted wanted...but wanting doesn't make things happen, behavior does.

Between 2016 and 2021 I did nothing more than the minimum. It took over $50,000 in debt, a new baby, and a new marriage until I realized that my actions were the only thing keeping me stuck. If I wanted - I had to act.

Commitment and action beat knowledge. Every. Single. Time.

The V&C Spending Audit - Your Past, Present, and Future

Start with one honest look

  1. Name what is important to you

    What are your values? What matters most - your family, your freedom, your security, your experiences? This comes first, before you look at a single dollar

  2. Review your income against your spending

    Pull up your bank statement, credit card statement, checkbook even! Look at where your money goes. Are you burdened by your past? Are you YOLOing to the max? Are you hoarding cash with no real plan?

  3. Identify where your money is going compared to your values

    Is it going toward what actually matters to you? This is the question most financial gurus never ask.

WHAT YOU WALK AWAY WITH

  • Your past / present / future breakdown

  • Which spending aligns with your values - and which doesn't

  • One committed action step, written by you

  • A downloadable PDF snapshot to keep

ABOUT

I built this because I needed it

I've spent over a decade studying why people struggle to change, and what actually works when they do. I applied that same framework to my own financial life.

Not perfectly.


Not all at once.

One decision at a time.

Values & Cents is what I built because I couldn't find anything else that asked the right question first: Not what you should do with your money, but what you actually value - and whether your money is actually going there.

Get clear on your values until they make cents.

THE COST OF STAYING STUCK

Money problems don't go away

on their own.

With money, they compound over time, which paradoxically leads to more discomfort and more avoidance.

The longer you wait, the heavier it gets.

A little discomfort now is the road to financial health, autonomy, freedom, and the life you actually want.

Take steps to invest in your future self.

IS THIS RIGHT FOR ME?

Money is universal

But everyone's situation is different

This is for you if:

  • You're a working professional who loves what you do — but quietly wonder why your finances don't reflect how hard you've worked to get here.

  • You're tired of the same recycled budgeting advice — and if one more person tells you to stop buying lattes, you might actually scream.

  • You know you should be investing but something keeps getting in the way.

  • You feel stuck or behind, and you can't quite explain why.

This might not be for you if:

  • You have a net worth over $1 million or a financially complex situation — you need a fee-only financial advisor, not a framework.

  • You're in financial crisis — please seek community resources first. This framework works best when there's some margin to work with.

  • You already have a system that's working. If it ain't broke, don't fix it!

We've spent our lives helping others.

It's time we did the same for ourselves.

The Spending Audit is free. Use it, share it with anyone who's been wrestling with the same questions. It's a start.

I'm building a course that goes deeper into why we make the financial moves we make, and how to actually change them. The first cohort gets deeply discounted access, lifetime updates, and a direct hand in shaping something I believe is genuinely needed.

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